SuperMoney 
  DCU Visa Platinum® Secured Credit Card

DCU Visa Platinum® Secured Credit Card

in Personal Credit Cards from Digital Federal Credit Union

Unaffiliated

DCU Visa Platinum® Secured Credit Card

Unaffiliated

in Personal Credit Cards from Digital Federal Credit Union

SuperMoney Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend DCU Visa Platinum® Secured Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Strongly recommended
Annual Fee $0
Purchase APR (Variable APR) 13%
Balance Transfer APR (Variable APR) Starting at 13%
Credit Score Range 300 - 640

DCU Visa Platinum® Secured Credit Card Review

DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.

Accepts cosigners. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

If you're wondering whether DCU Visa Platinum® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a DCU Visa Platinum® Secured Credit Card cash back or rewards program?

No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.

DCU Visa Platinum® Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the DCU Visa Platinum® Secured Credit Card benefits?

DCU Visa Platinum® Secured Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for DCU Visa Platinum® Secured Credit Card?

DCU Visa Platinum® Secured Credit Card has a variable purchase APR of 13%. The card has a variable balance transfer APR starting at 13% .

It also has a variable cash advance APR starting at 13% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does DCU Visa Platinum® Secured Credit Card have an introductory APR offer?

No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers. DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.
DCU Visa Platinum® Secured Credit Card Rates & Terms
Purchase APR 13%
Balance Transfer APR Starting at 13%
Cash Advance APR Starting at 13%
Penalty APR 18%

What are the DCU Visa Platinum® Secured Credit Card fees?

No Annual Fee. DCU Visa Platinum® Secured Credit Card does not charge an annual fee. No foreign transaction fee. DCU Visa Platinum® Secured Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

The following fees apply to DCU Visa Platinum® Secured Credit Card:

DCU Visa Platinum® Secured Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $35

Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?

DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for DCU Visa Platinum® Secured Credit Card

  • Visit the Digital Federal Credit Union website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Returned Payment Fee $0
Grace Period for Late Payment (Days) 25
Over-Limit Fee $0
Minimum Interest Charge $0
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Fee Amount $35
Minimum Age 18
Co-signing Allowed  
Credit Score Range 300 - 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Travel Insurance  
Lost Luggage Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Purchase APR (Variable APR) 13%
Cash Advance APR (Variable APR) Starting at 13%
Balance Computation average daily balance (including new purchases)
Penalty APR 18%
Balance Transfer APR (Variable APR) Starting at 13%

DCU Visa Platinum® Secured Credit Card Community Reviews

 
 

Would you recommend DCU Visa Platinum® Secured Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards